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Whether you have pre-existing medical conditions or not, travel insurance should cover you for the same things as a standard policy. Just make sure you declare and cover your heart conditions when getting a quote to have valid cover.
Your policy might cost more to add your conditions but it’s important that you have peace of mind that you’re covered if you have a medical emergency that impacts your trip.
Most standard policies, without add-ons include:
Our trusted insurers offer cover for heart conditions. This includes, but isn’t limited to:
We can cover medical conditions but approval for holiday cover depends on your current health, medical history and your trip type. During the screening process, answer the medical questions as honestly and as accurately as possible. This will help you find the best cover for you and your trip.
You don’t need to let a heart attack stop you from making memories. With the right medical cover, you can take the trip of a lifetime you deserve. Whether you dream of a round-the-world cruise or relaxing on a sandy beach, answer a few questions about your health and start planning your next holiday.
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The price of travel insurance is calculated based on you and your trip. Factors which can influence the price include:
If you have pre-existing medical conditions, your holiday cover will cost more. This is because there’s a higher chance you’ll need to make a claim
If the country you’re travelling to has more expensive healthcare or is prone to natural disasters, your cover might be more expensive
Some activities, such as winter sports, are considered risky. You’ll need extra cover
If you’re going on a longer trip, it’ll increase the price
If you need more medical cover or don’t want to pay an excess, it will cost more
You’re more likely to get ill or injure yourself on holiday the older you get. This can make travel cover more expensive
Whether you’re having a short weekend away or jet off several times a year, choosing the best cover for you will help make sure you’re properly covered.
This could be the cheapest option if you’re only going on one holiday
For more regular travellers, this type of cover could save you time and money. Buy it once and get covered for an entire year.
You’ll be asked some important questions about your heart condition when you start a quote. This might include:
Everyone’s situation is different. We look at your current health, as well as pre-existing conditions to make sure you can compare medical policies that are great for your needs. The questions you’ll be asked may vary.
Travel insurance doesn’t cover everything. Typical exclusions include:
If you’re undergoing tests, you won’t be offered cover for your trip just yet. Your condition must be diagnosed, stable and well-controlled to buy travel insurance.
If you’re getting tested for a heart condition that’s already been diagnosed, you could get holiday cover. You can find out by starting a quote and answering the medical screening questions accurately and honestly.
It might be harder to find cover for a trip to the USA with a heart condition. This is because medical care is a lot more expensive there than most countries.
But if your condition is stable and well-controlled, then you could find a travel policy to suit you, with enough medical cover in case anything happens. You’ll find more information in our guide about how much your travel policy is likely to cost.
A GHIC card (previously known as EHIC) can help to cut the costs of medical treatment in most EU countries. If you’re living with a heart condition, a GHIC card could give you a higher level of protection if you have a medical emergency on holiday.
But travelling with a GHIC isn’t a substitute for buying good quality travel insurance.
Learn more about the importance of GHIC/EHIC cards.
Having a heart condition doesn’t mean you can’t explore the world. But it’s important to make sure you’re prepared before your trip. Some things to think about are:
- Speaking with your GP and making sure you’re well enough to travel, and enjoy activities. This is especially important if you’ve recently had treatment.
- Extreme climates and high altitudes can put strain on the heart. So, choose your location wisely. Closer to the time, make sure you check the weather forecast to prepare yourself for the different climate.
- Asking your GP for a letter explaining your condition and the medication/equipment you need. This is important if you’re flying and need to carry it in hand luggage.